Lower Your 2014 Ford Fiesta Insurance Quotes

No one in their right mind cherishes buying insurance, particularly when they are paying too much.

There is such a variety of insurance companies to choose from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

It is always a good idea to shop coverage around periodically because prices change quite often. Just because you had the lowest price for Fiesta insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the right way to save money, get proper deductibles and limits, all at the lowest rate.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be asked about prior to getting the savings.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for Fiesta insurance depending on your company.
  • Discount for New Cars – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy can get a discount on all vehicles.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

Insurance companies that may have these discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts may not be available in your state.

Compare the Market for Auto Insurance

Most major insurance companies provide coverage price quotes directly from their websites. Getting quotes is quite easy as you simply type in your personal and coverage information as detailed in the form. After the form is submitted, the system pulls credit information and your driving record and generates a price. Online price quotes simplifies rate comparisons, but the work required to visit multiple sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to do this if you want to find the lowest auto insurance rates.

A more efficient way to compare rates makes use of a single form to obtain quotes from a bunch of companies at once. The form is fast, reduces the work, and makes price shopping online much more efficient. Immediately after submitting the form, it is quoted and you are able to buy any one of the quotes returned.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly find out how much you can save on auto insurance, click here and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with your coverages exactly as shown on your declarations page. This makes sure you will have a fair comparison for similar coverage.

What determines your Ford Fiesta insurance premium

An important part of buying insurance is that you know the rating factors that go into determining insurance coverage rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

Listed below are a partial list of the pieces used by your company to calculate rates.

  • Don’t cancel a policy without a new one in place – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Little extras can really add up – There are quite a few extra bells and whistles that can waste your money on your Fiesta policy. Coverages for personal injury protection, accident forgiveness and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.
  • Where you reside plays a part – Choosing to live in a small town is a positive aspect when it comes to insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. More time on the road can result in more accidents.
  • Being married is a good thing – Being married can get you a discount on your policy. Having a significant other means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Choose a safe vehicle and save – Safer cars can get you lower premiums. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If the Ford Fiesta is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • High deductibles save money – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some instances where coverage would apply could be a windshield shattered by a rock, damage from fire, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more you are required to pay out-of-pocket, the less your insurance coverage will be for Fiesta insurance.

Do I need special coverages?

When buying the best insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining if you will benefit from professional help.

  • Do I need added coverage for expensive stereo equipment?
  • If my 2014 Ford Fiesta is totaled, can I afford another vehicle?
  • What is the ISO rating for a 2014 Ford Fiesta?
  • What exactly is covered by my policy?
  • Will my rates increase for filing one claim?
  • Am I insured when driving a different vehicle?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Auto liability insurance

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, legal defense fees and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for things like surgery, EMT expenses, funeral costs, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage will pay to fix damage to your Fiesta resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

In any little way, save everyday

We’ve covered a lot of ways to get a better price on 2014 Ford Fiesta insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest premiums are with an unexpected company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Discount insurance is available online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional detailed information is available in these articles: